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Like unsupp0rted said, access to credit is severely limited.

One example. For new car loans, for the price bracket most normal cars are in (800,000 to 1,200,000 try.these are your < 1.6lt commuters) you can get a loan for 30% of the value of the car and the term is 24 months max. For the next bracket it's 20%. The next bracket is over 2,000,000 try and 0% which is basically all cars with an engine larger than 1.6lt and some that aren't. (Excepting electrics I think). I am no math guru but that 0% of the value of the car is probably another word for no loan at all. :)

If they grant the loans they will issue them in Dollars or Euros. And good luck trying to pay those off if your income is in Turkish Lira.

Actually this is not that common. Instead you get a variable interest rate and nobody wants to get into that either. Business loans are even worse. Banks can recall the loan at any time without a reason. They've caused the bankruptcy of a lot of companies in the past.

The bank can and will charge a much higher interest rate than the central bank does.

Yes if loans were being granted by banks